Bay County property record for 908 E 16th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1959 |
| Lot Size | 0.136 acres (5,924 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $16,500 (Oct 2016) |
| Tax Bill | $220 (2024) |
| Deeds & Mortgages | Jul 2018 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 14511-000-000 |
| Primary APN | 14511-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,924 sqft (0.136 acres) |
| Lot Dimensions | 119 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 908 E 16TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC11 |
| Legal Description | KEITHS 4TH ADD BEG 200 E OF NW COR LOT 10 TH S 119.7 E 50 N 119.7 W 50 TO POB BLK 4 ORB 3844 P 1079 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | KEITHS 4TH ADD |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1600 |
908 E 16th St is owned and occupied by two individuals who acquired it in November 2024.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 908 E 16TH ST, PANAMA CITY, FL 32405-6107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU |
| Jun 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF PANAMA CITY CMNTY REDE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2016 · Amount on File |
| Deed Sale | Oct 27, 2016 · Amount on File |
| Deed Document Number | 201659909 |
| Deed Book / Page | 3844 / 1079 |
| Last Transfer Date | Nov 12, 2024 |
| Transfer Doc | 0048581182 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 908 E 16TH ST, PANAMA CITY, FL 32405-6107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040330848 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 4033/0848 |
| Instrument | 2018045667 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 908 E 16TH ST, PANAMA CITY, FL 32405-6107 |
| Document Number | 0040200805 |
| Instrument Date | Jun 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 908 E 16TH ST PANAMA CITY FL 324056107, PANAMA CITY, FL 32405-6107 |
| Document Number | 0040200805 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 004020/000805 |
| Instrument | 36902 |
| Name | CITY OF PANAMA CITY CMNTY REDE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $30,339 | $41,070 Land $8,928 Building $32,142 | |
| 2024 | $220.00 (+53.85%) | ||
| 2023 | $143.00 (-38.63%) Homeowner's exemption | $21,086 (+3%) | $25,124 (+15.5%) Land $7,533 Building $17,591 |
| 2022 | $233.00 Homeowner's exemption | $20,472 | $21,752 Land $5,607 Building $16,145 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 908 E 16th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 6 (1984–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 908 E 16th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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